Aflac Auto Insurance Review (2024)

Aflac car insurance is not available, so use this Aflac auto insurance review to learn how supplemental insurance policies can help with your auto insurance claim. Aflac is the number one supplemental health insurer, a product that can help cover medical bills and lost wages after an auto accident.

UPDATED: Apr 29, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Apr 29, 2024Fact Checked

Scott W. Johnson

Licensed Insurance Agent

Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...

Licensed Insurance Agent

Brandon Frady

Licensed Insurance Producer

Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...

Licensed Insurance Producer

UPDATED: Apr 29, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Apr 29, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Apr 29, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Apr 29, 2024Fact Checked

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Aflac

Average monthly rate for good drivers:

$172

A.M. Best rating:

A+

Complaint level:

Low

Pros

  • It is the largest provider of supplemental insurance in the nation
  • Aflac insurance agents are available across the country to provide customer service
  • Expedited claim process through SmartClaim, an online claims application

Cons

  • Aflac doesn’t sell auto insurance. Coverage options are primarily focused on supplemental health insurance
  • Benefits and insurance plans aren’t available in every state
  • Aflac’s coverage may not be a suitable fit for everyone’s insurance needs

Final Verdict: Review of Aflac

Many vehicle owners want to know if the American Family Life Assurance Company, also known as Aflac, provides auto insurance.

Aflac is the largest provider of supplemental insurance in the country — does Aflac have auto insurance,too? Unfortunately, Aflac does not sell traditional auto insurance policies. Read our guide to the best auto insurance companies to find an affordable provider near you.

What kind of insurance is Aflac? It doesn’t sell auto insurance, but Aflac health insurance sometimes covers medical bills related to automobile accidents. Aflac accident insurance can also be useful for short- or long-term injuries that are caused by an automobile accident.

Our Aflac auto insurance review will break down Aflac costs, different types of Aflac policies, how they can be beneficial for car insurance policyholders, and where to find Aflac car insurance near you.

[su_box title="Things to remember..." style="default"]
  • Aflac doesn't sell auto insurance, but some of its policy benefits may be helpful if you are injured in an accident
  • It is the largest provider of supplemental insurance in the nation
  • Aflac accident insurance and hospital indemnity are among the policies that may help pay excess costs for medical needs after a car accident
[/su_box] In today's market, it can be difficult to determine which insurance companies sell what types of auto insurance coverage. Many vehicle owners want to know if the American Family Life Assurance Company, also known as Aflac, provides auto insurance. So, we've created this Aflac auto insurance review to tell you everything you need to know. First off, let's get one thing straight -- does Aflact cover auto insurance? No, Aflac does not sell traditional auto insurance policies. So, what do they sell at Aflac? Even though there's no such thing as Aflac car insurance, Aflac is the largest provider of supplemental insurance in the country. This guide will break down what that means and how it can be beneficial for insurance policyholders. We'll go over Aflac's history, policies, and claims process. We'll also share how to get an auto insurance company's online quote, specifically, Aflac. Before long, you'll know everything there is to know about this popular insurance provider.

What You Should Know About Aflac

Is Aflac car insurance? No, Aflac does not sell traditional auto insurance policies. It mainly provides supplemental health insurance to individuals, families, and businesses.

Supplemental health insurance is coverage you purchase in addition to your primary health insurance policy. Supplemental insurance is a great option if your primary policy does not provide all the coverage you need.

Learn More: Do you need medical payment coverage on auto insurance?

Aflac Auto Insurance Reviews

Does Aflac cover car insurance? No, but it does help pay for medical bills and other associated costs with an auto accident that your car insurance won’t cover.

Auto insurance and Aflac aren’t related policies. The biggest difference between Aflac and traditional car insurance is that your auto policy covers the vehicle while Aflac pays for your injuries and recovery costs. You also get Aflac insurance payouts directly instead of through your auto insurance provider.

Aflac Accident Insurance Reviews

Aflac is known for accident insurance as well as other supplemental policies, so you likely won’t find many Aflac car insurance reviews. Aflac accident insurance covers medical bills, lost wages, and household care while you recover from injuries sustained in an auto accident. 

Aflac reviews and ratings are low when it comes to accident insurance. Many policyholders find that coverage doesn’t apply when they think it does, so read your policy paperwork before buying car insurance or Aflac supplemental insurance.

Aflac Customer Reviews

Is Aflac good insurance? Unfortunately, Aflac insurance reviews do not rate Aflac accident insurance customer service highly. It receives a 1/5 rating on the Better Business Bureau (BBB).

Customers complain about long wait times and Aflac agents losing claim documents and paperwork. Aflac also rejects many policyholders’ claims, which could mean the company isn’t very clear in explaining when coverage applies and how. 

Aflac App Reviews

The MyAflac mobile app helps customers file and track claims and manage their policies. It receives high customer ratings, earning 4.4/5 in the Apple App Store and a 3/5 on Google Play. But you won’t get an Aflac quote on the app — you have to speak to an agent or compare insurance quotes online.

Aflac Insurance Coverage Options

Does Aflac do car insurance? No, Aflac does not sell traditional auto insurance policies. It mainly provides supplemental health insurance to individuals, families, and businesses.

Supplemental health insurance is coverage you purchase in addition to your primary health insurance policy. Supplemental insurance is a great option if your primary policy does not provide all the coverage you need.

What is Aflac insurance good for?  Scroll through the four main supplemental policies available through Aflac to see if it’s something you need:

  • Accident insurance: Aflac’s accident insurance helps cover out-of-pocket medical payments your primary insurance does not cover if you’ve had an accident. This means Aflac helps with short-term disability.
  • Dental insurance: Though your primary dental insurance policy covers routine visits to the dentist, it may not cover special dental care like orthodontist appointments, wisdom teeth removal, and cosmetic procedures. Aflac’s supplemental dental insurance can help cover these costs.
  • Cancer insurance: Medical payments and everyday living expenses can build up if you need long-term medical care. Aflac’s cancer insurance can help cancer patients pay for deductibles, co-payments, and small expenses incurred during cancer treatment.
  • Critical illness insurance: Aflac’s critical illness insurance helps cover the cost of serious medical conditions like heart attacks and strokes. This policy can even cover living expenses and non-medical bills incurred while a patient is receiving care.

Is Aflac worth it? More and more Americans are investing in these types of policies, especially Aflac group insurance.

You can read Aflac supplemental insurance reviews to learn more about what the company offers in your state and compare the best Aflac plans near you.

How to File Aflac Insurance Claims

The easiest way to file Aflac insurance claims is through Aflac SmartClaim. SmartClaim is an online application that expedites the claims process on Aflac’s website and mobile app.

To submit a claim through SmartClaim, follow these steps:

  • Register or log in to SmartClaim on Aflac’s website or mobile app. Make sure you are enrolled in SmartClaim’s Direct Deposit program.
  • Fill out Aflac’s claims forms. Then submit all required documents.
  • Call the Aflac customer service number. If you don’t want to file online, you can call the Aflac car insurance phone number at 1-800-992-3522 to file a claim.
  • Submit your claim before 3 p.m. ET on a weekday. Submit online or call the Aflac insurance phone number. This will ensure that you receive your compensation as quickly as possible.

If you are unable to use SmartClaim, you can download claims forms through Aflac’s website and file your claim via fax or mail. The Aflac insurance claims phone number is 1-800-992-3522 or send claims to 1932 Wynnton Road, Columbus, GA 31999.

Since the Aflac insurance policies only cover car accidents peripherally, there is no direct Aflac auto insurance phone number for claims. The Aflac claims phone number takes you directly to its customer service department instead.

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Aflac Insurance Rates Breakdown

Many people want to know: How much is Aflac insurance a month? What is the average cost of Aflac insurance? That depends on your individual circumstances. The best way to find out is to get an Aflac insurance quote. You can’t get an Aflac car insurance quote, of course, but you can consider policies that will supplement your car insurance.

Unlike many of today’s insurance providers, Aflac fully integrates insurance agents into the policyholder’s experience. For example,  you must speak with an agent to get Aflac insurance quotes. Aflac has insurance agents across the country to help you understand Aflac benefits, fill out Aflac cancellation forms, and update Aflac login information.

Finding Affordable Aflac Auto Insurance

Does Aflac do auto insurance? Aflac doesn’t sell car insurance, so you can’t compare Aflac auto quotes, but you can buy supplement policies anywhere.

Aflac is available nationwide, but its plans and benefits vary by state. Call the Aflac phone number at 1-800-992-3522 to speak to an agent about coverage options in your state.

You can also read Aflac insurance reviews online to find out which types of Aflac insurance are available near you, including critical illness and accident insurance. You’ll want to compare insurance quotes from multiple local companies to guarantee Aflac accident insurance costs are the cheapest near you.

Aflac auto insurance reviews are great resources for rate information and customer complaints. If you need cheap auto insurance, use our free comparison tool below to get free quotes from local companies.

Frequently Asked Questions

Does Aflac have car insurance?

No, Aflac doesn’t sell auto insurance. Aflac coverage types are primarily focused on supplemental health insurance to help with medical bills after an accident.

what type of insurance is Aflac?

Aflac does not sell traditional insurance policies. It offers supplemental coverage designed to enhance your existing auto and health insurance. It provides extra coverage to pay for the things traditional policies don’t, such as lost wages.

What does Aflac cover?

Supplemental insurance companies like Aflac help pay for medical bills, lost wages, daycare, or other ancillary costs affected by an auto accident.

Does Aflac cover car accidents?

Aflac will not cover damage to property or vehicles.

What are the pros and cons of Aflac insurance?

The biggest downside to Aflac insurance is that most coverage is only available through employers offering its group insurance plan. The perk is Aflac pays cash directly to policyholders after a claim to help cover any out-of-pocket costs arising from an auto accident or medical emergency.

Is Aflac a good insurance company?

Aflac is a financially stable and well-reviewed insurer with an A+ A.M. Best rating and an A+ customer service rating from the Better Business Bureau.

How much does Aflac insurance cost?

Your Aflac insurance costs will range between $8 and $25 per month, but rates vary based on different Aflac policy types.

How long does it take Aflac to review a claim?

Aflac’s One Day Pay℠ program processes and approves claims the same day you submit them. This allows you to get paid in one day. If you don’t use One Day Pay℠, it will take Aflac longer to review your claim. For example, this can happen if you file a claim by fax or mail. Learn more about how to file an auto insurance claim.

What does Aflac do?

Unlike auto insurance companies, Aflac pays out benefits directly to you since it’s designed to supplement your current insurance coverage.

Is Aflac supplemental insurance worth it?

Depending on your financial situation, Aflac can help cover unexpected costs after an auto accident. However, it may not be worth it if you can afford these costs out of pocket.

What is Aflac’s hospital indemnity plan?

Aflac’s hospital indemnity plan is designed to cover the cost of a hospital visit after you hit your primary health insurance coverage limit. This plan can cover expenses like admissions fees and intensive care costs.

Do I need medical coverage on my auto insurance with Aflac?

No, you do not need medical coverage on your Aflac auto insurance because Aflac auto insurance does not exist. If you have questions about Aflac and car insurance call the phone number at the top of this page.

What is a better alternative to Aflac insurance?

Aflac is the top provider of supplemental insurance plans, but it is not the only one. You will benefit from comparing multiple companies, such as Zenefits or Sequoia, to find the most affordable policy for you.

Does Aflac have insurance agents?

Yes, Aflac has insurance agents across the country who can provide customer service and help with understanding benefits, cancellation forms, and login information.

How do I get an Aflac auto insurance quote?

To get Aflac car insurance quotes, you can call the customer service hotline, and a local agent will then contact you to discuss your insurance options. You can also get Aflac online quotes by filling out a contact form on the website.

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Scott W. Johnson

Licensed Insurance Agent

Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...

Licensed Insurance Agent

Brandon Frady

Licensed Insurance Producer

Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...

Licensed Insurance Producer

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Compare Quotes from Top Companies and Save

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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